Can I retire at age 35 with 732,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $732,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$60,448$59,909$59,384$58,871$58,371$56,188
2 years$29,925$29,367$28,827$28,304$27,796$25,622
3 years$19,752$19,192$18,653$18,134$17,635$15,538
4 years$14,666$14,108$13,575$13,065$12,577$10,573
5 years$11,616$11,061$10,535$10,035$9,561$7,655
6 years$9,583$9,032$8,513$8,025$7,565$5,759
7 years$8,131$7,585$7,075$6,598$6,153$4,445
8 years$7,043$6,502$6,000$5,535$5,104$3,495
9 years$6,197$5,661$5,168$4,714$4,298$2,784
10 years$5,520$4,990$4,505$4,064$3,662$2,241
11 years$4,967$4,442$3,966$3,537$3,150$1,817
12 years$4,507$3,987$3,520$3,102$2,730$1,483
13 years$4,118$3,603$3,145$2,739$2,380$1,216
14 years$3,784$3,275$2,826$2,431$2,087$1,001
15 years$3,495$2,992$2,551$2,168$1,837$827
16 years$3,243$2,745$2,313$1,941$1,624$685
17 years$3,021$2,528$2,105$1,744$1,440$568
18 years$2,823$2,336$1,921$1,572$1,280$472
19 years$2,647$2,165$1,759$1,420$1,141$393
20 years$2,488$2,012$1,614$1,286$1,019$328
21 years$2,344$1,874$1,485$1,168$912$273
22 years$2,214$1,749$1,369$1,062$817$228
23 years$2,096$1,636$1,264$967$734$191
24 years$1,987$1,533$1,169$882$660$159
25 years$1,887$1,439$1,082$805$594$133
26 years$1,795$1,352$1,004$736$535$111
27 years$1,710$1,272$932$674$482$93
28 years$1,631$1,199$867$617$435$78
29 years$1,558$1,131$806$566$393$65
30 years$1,490$1,068$751$520$355$55
31 years$1,426$1,010$700$477$321$46
32 years$1,367$955$653$439$290$38
33 years$1,311$905$610$403$263$32
34 years$1,258$858$570$371$238$27
35 years$1,209$813$533$342$215$23
36 years$1,163$772$499$315$195$19
37 years$1,119$733$467$290$177$16
38 years$1,077$697$437$267$160$13
39 years$1,038$663$409$246$145$11
40 years$1,001$630$384$227$132$9
41 years$965$600$360$210$120$8
42 years$932$572$338$194$109$7
43 years$900$545$317$179$99$5
44 years$870$519$297$165$89$5
45 years$841$495$279$152$81$4
46 years$813$472$262$141$74$3
47 years$787$451$246$130$67$3
48 years$762$430$231$120$61$2
49 years$738$411$218$111$55$2
50 years$715$392$205$103$50$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $732,000, adding $3,600 every year, while hoping to spend $20,750 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 48/34/18 Blend
34$732,000$732,000$732,000$732,000
35$810,377$771,581$760,235$845,010
36$870,958$787,311$763,625$885,143
37$937,022$803,116$766,434$926,298
38$1,009,108$818,978$768,618$970,544
39$1,087,807$834,877$770,137$1,018,178
40$1,173,769$850,792$770,942$1,069,530
41$1,267,712$866,700$770,988$1,124,960
42$1,370,426$882,575$770,223$1,184,869
43$1,482,778$898,390$768,594$1,249,697
44$1,605,726$914,116$766,047$1,319,929
45$1,740,324$929,722$762,523$1,396,100
46$1,887,731$945,172$757,962$1,478,800
47$2,049,226$960,432$752,300$1,568,682
48$2,226,215$975,461$745,469$1,666,461
49$2,420,247$990,217$737,401$1,772,931
50$2,633,031$1,004,656$728,022$1,888,964
51$2,866,444$1,018,728$717,255$2,015,524
52$3,122,558$1,032,383$705,020$2,153,671
53$3,403,654$1,045,564$691,233$2,304,578
54$3,712,243$1,058,213$675,806$2,469,535
55$4,051,093$1,070,267$658,646$2,649,967
56$4,423,252$1,081,657$639,658$2,847,444
57$4,832,078$1,092,313$618,741$3,063,698
58$5,281,270$1,102,156$595,789$3,300,640
59$5,774,904$1,111,106$570,693$3,560,374
60$6,317,469$1,119,076$543,336$3,845,225
61$6,913,912$1,125,971$513,599$4,157,751
62$7,569,682$1,131,695$481,356$4,500,779
63$8,290,783$1,136,142$446,474$4,877,421
64$9,083,830$1,139,199$408,818$5,291,112
65$9,956,110$1,140,750$368,243$5,745,636
66$10,915,653$1,140,666$324,599$6,245,170
67$11,971,306$1,138,815$277,730$6,794,315
68$13,132,817$1,135,055$227,471$7,398,148
69$14,410,926$1,129,234$173,653$8,062,263
70$15,817,466$1,121,193$116,096$8,792,830
71$17,365,478$1,110,761$54,615$9,596,651
72$19,069,327$1,097,759$0$10,481,226
73$20,944,845$1,081,996$0$11,456,934
74$23,009,475$1,063,269$0$12,542,111
75$25,282,437$1,041,365$0$13,736,347
76$27,784,910$1,016,057$0$15,050,762
77$30,540,231$987,103$0$16,497,615
78$33,574,114$954,251$0$18,090,417
79$36,914,895$917,231$0$19,844,060
80$40,593,797$875,757$0$21,774,958
81$44,645,224$829,530$0$23,901,202
82$49,107,089$778,229$0$26,242,732
83$54,021,168$721,518$0$28,821,526
84$59,433,496$659,041$0$31,661,805
85$65,394,799$590,420$0$34,790,270
86$71,960,976$515,259$0$38,236,344
87$79,193,625$433,135$0$42,032,461
88$87,160,621$343,606$0$46,214,365
89$95,936,763$246,200$0$50,821,453
90$105,604,472$140,423$0$55,897,146
91$116,254,575$25,751$0$61,489,301
92$127,987,160$0$0$67,650,663
93$140,912,520$0$0$74,476,166
94$155,152,192$0$0$82,006,464
95$170,840,108$0$0$90,302,765
96$188,123,857$0$0$99,443,135
97$207,166,078$0$0$109,513,602
98$228,145,993$0$0$120,608,965
99$251,261,101$0$0$132,833,693
100$276,729,044$0$0$146,302,904